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Report: #136073

Complaint Review: Cross Country Bank - Boca Raton Florida

  • Submitted:
  • Updated:
  • Reported By: san rafael California
  • Cross Country Bank P.O. Box 310731 Boca Raton, Florida U.S.A.

Cross Country Bank ripoff Fraudulent, Excessive Charges and refused to refund over payment on account Boca Raton Florida

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I worked for over a year to clean up my credit report and get better scores. I managed to get approved for a reputable credit card and did a balance transfer of my cross country account after dealing with those scumballs for over 3 years.

I always paid my payment on time and yet they managed to sneak fees in on me and my balance never really got any lower. I called them a few days after the billing cycle to find out what my total balance was after closing out my account. They told me the amount and I paid it in full with a balance transfer. In the interim they credited back my annual fee. (Only after I raised hell and was suprised they actually credited anything to me)

This meant I had an overpayment on my account. I checked my account online to verify and found that they had charged me finance charges before the closing of the billing cycle and after I had already paid the BALANCE IN FULL! They informed me that they can charge finance charges anytime they want which is total Bullshit! I know how the law works with billing cycles and credit accounts.

They then became beligerent with me on the phone and refused to send my refund amount out even though I had overpaid on my account. Their response was that "they dont have to issue a refund for overpayment on accounts". I informed them that "BY LAW YOU HAVE TO REFUND OVERPAYMENTS ON ACCOUNTS". They still refused. I have since filed a complaint with the attorney general for the state of california where I reside and with the FTC.

I wish someone would sue these bastards and take them out of business for good. I am so glad I got rid of that account!

Kimberly
san rafael, California
U.S.A.

This report was posted on Ripoff Report on 03/22/2005 08:19 PM and is a permanent record located here: https://www.ripoffreport.com/reports/cross-country-bank/boca-raton-florida-33431-0731/cross-country-bank-ripoff-fraudulent-excessive-charges-and-refused-to-refund-over-payment-136073. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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